-
Closing credit card
Ive just paid off a credit card and im now wanting to close it, do I need to ask for written confirmation or anything when I ohone to close it? Also when will it show as closed on my credit report?
-
Best Way To Pay Off Cards Little Bits Or Bulk
Hi everyone, I currently have 5 cards that i am trying to get rid off. I pay off more than the minimum each month. I have a bar job which i get paid weekly £50 and make about £40 a week in tips. I use this money as extra to throw at my cards. Is it better to pay bits off every week as i get the money, or save it for the…
-
hsbc have just reduced my credit card limit from 5000.00 to 3000.00 !
hsbc have just reduced my credit card limit from 5000.00 to 3000.00 ! will this effect my credit scoring??:p :p :p :p
-
Good golly what a conundrum!
Hi there everyone, I'm asking for a bit of advice if you please. The situation I have is: Egg credit card - £4200 limit, with £4117 owing. HSBC credit card - £1250, with £1157 owing. Not ideal. Now, I have been researching and applying for 0% balance transfer cards to shift it over temporarily until Oct/Nov time when I…
-
PPI Reclaim - Barclaycard
I've written a letter to them asking for my PPI payments back, I was never given the option of saying no so it WAS mis-sold, several years ago now. Has anyone had any luck with them?? They are usually a pack of !!!!!!s so i'm not holding out much hope... :( (I know there is a PPI thread somewhere, I've seen it but i can't…
-
Is there a difference between "Credit limit" and the "balance transfer" amount?
Hi everyone, I got a letter today from Capital One, and I've been accepted for their credit card! :T:T:T I have to sign and return the form, obviously before I get it. On the letter it says: "minimum credit of £500". Obviously my limit may or may not be higher. But I'm wondering: is whatever my credit limit is, also the…
-
balance transfer onto new card, when?
Hi! Currently have £1500 on Halifax One at 0% which ends on August 25th. Applied for an MBNA platinum card 3 weeks ago online and it said they needed to make further checks, then I got an email last week saying my card would be with me in 5-10 days. When I applied I filled in the balance transfer info for the Halifax…
-
BCP car park - Charged £500
Didnt know where to post so feel free to move it if its wrong. Basically we book our car on T1 at Manchester Airport for 2 weeks. Pre-paid online prior to going with visa card. When we returned from holiday you need to put the same visa card that you booked with in the machine to raise the barrier. When we did this it…
-
AMEX help
Can someone help me work out what's going on with my balance please. I have a £3,000.00 credit limit and I spent £3,000.00 exactly on Friday morning. It is showing my available credit as -£16.00 :confused: . Does anyone know why this could be? I have checked and it is fine to spend the exact amount of your credit limit and…
-
Click and buy?
I have signed up with an iTunes account (a long and grueling process) but they could not process my credit card details. I ended up with a "Click And Buy" account which I now have but are there any hidden charges with this account? all I wanted was to use my credit card directly with no charges but it can't process it.…
-
Credit Card Direct Debit not been taken from account
I have an asda credit card and have been paying the full balance each month by direct debit. The amount of over £1300 was meant to come out of my bank account today. It hasnt and I have called the bank to find out if it is coming out tomorrow but they have said nothing is showing to come out tomorrow or today for that…
-
balance transfer
My son has ammased money on a credit card and we have tried to get him a balance transfer so he can pay it off quicker with less intarest but to no avail! is it possible for me to transfer his debt to a intrest free card. i have no credit cards and i have a good credit ref, any advice would be apreciated.
-
M&S vs ASDA
I'm hoping one of you nice people may be able to help me. I spend probably in the region of £300 per month on my CC, always clear the balance in full. Up until now I've been using my ASDA credit card, which I took out because of the 2p per litre reduction on petrol WYB at ASDA filling stations & pay with ASDA card. However…
-
Unauthorised Balance Transfer - Barclaycard
Wasn't sure if this was best placed in the 'warnings' section or here - apologies if I got the wrong one! I have recently been diddled by an unauthorised balance transfer on my Barclaycard account.... this is the story so far: I got a call out of the blue from Barclaycard with their agent saying.."we got cut off before we…
-
reclaiming credit card spend (not just penalties & charges)
Hi All, A mate of mine was telling me earlier about a chap he met recently who told him that, due to some 'loophole' in the T& Cs of any credit cards issued prior to April 07, it is possible to persuade the credit card company to write off any balances owing without any adverse effect on your credit worthiness. I am aware…
-
credit card statement help
Don't know if anyone can help but I've got something on my credit card statement (co-op) and I don't know what it is, it says 'merchandise interest at 1.456% per month. I always pay my card off in full and the only thing I found out was I payed the one before in, 2 days before the due date, when i should of done it 4 days…
-
Increase credit score???
How do I increase my credit score if the following is the case......... I have 1 credit card 3 catalogues but have bad previous debts therefore keep getting rejected for credit due to credit score. Is this rectifiable, is it true my bad debt history will clear in 10-15 years or will I always be a credit liability in the…
-
Credit Card HELL!
Hi. Just joined the site! I just wondered if anyone could help or has had experience with this dilemma? I have a large debt with Halifax £6300. I had a credit card and built up the debt over 5 years. I wrote to Halifax and asked if I could have reduced payments and they agreed I could pay £20per month. They wrote to me…
-
How likely am I to get a CC?
I'm 18 in a few months and would like to get a CC so I can build up a credit rating and get some of the rewards (Such as airmiles etc). My question is, how likely am I to get a credit card in my current state (When I apply)... 18 Full time education Part time work 4k/5k year Also, another question is, I only earn 4k a…
-
Nationwide - Gold/Classic Card
I'm 24 and earn £20k/pa. I recently applied for a Nationwide CC (have had a current account with them for years) and was accepted online. I'm well aware that you have to be over 25 and earn over £25k/pa to get the Gold card and anything less, if accepted, you get the Classic card (slightly higher rate but it doesn't matter…
